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How to Get a Insurance producer License in Maryland (2026)

Quick answer

Each individual soliciting, negotiating or accepting insurance business from the public must be licensed for that line and, where applicable, appointed by an insurer.

Exam

Resident applicants must pass the Maryland examination for each requested major line.

View official source

Renewal

Individual producer licenses are issued on a biennial basis to expire on the last day of the producer’s birth month.

View official source

Continuing education

24 hours

View official source

Experience

No minimum experience requirement before the producer examination, effective October 1, 2024.

View official source

Last verified Oct 25, 2026

How do I get this license?

  1. Check the licensing authority

    Board

    Maryland Insurance Administration

    Last verified Oct 25, 2026 — source and quotation
    The Maryland Insurance Administration
    Official source
  2. Check your qualifications

    Education

    Prelicensing education and minimum experience requirements were repealed effective October 1, 2024 for applicants required to pass a producer examination.

    Last verified Oct 25, 2026 — source and quotation
    Effective October 1, 2024, applicants who are required to pass an examination as a qualification for a producer license will no longer be required to complete a program of study that has been established or approved by the Commissioner, nor meet minimum experience requirements prior to taking the examination.
    Official source

    Experience

    No minimum experience requirement before the producer examination, effective October 1, 2024.

    Last verified Oct 25, 2026 — source and quotation
    Effective October 1, 2024, applicants who are required to pass an examination as a qualification for a producer license will no longer be required to complete a program of study that has been established or approved by the Commissioner, nor meet minimum experience requirements prior to taking the examination.
    Official source

    Exam

    Resident applicants must pass the Maryland examination for each requested major line.

    Last verified Oct 25, 2026 — source and quotation
    Resident individual applicants requesting a major line of authority are required to pass the Maryland exam for the line(s) requested.
    Official source
  3. Prepare your application

    Apply with the agency

    Open the official agency page

    Last verified Oct 25, 2026 — source and quotation
    complete and submit the NAIC Uniform Individual Application.
    Official source

    Reciprocity

    Nonresident licensing is reciprocal when the applicant holds the relevant resident producer license in good standing and the home state grants Maryland residents licenses on the same basis.

    Last verified Oct 25, 2026 — source and quotation
    Nonresident licenses will be issued on a reciprocal basis if the nonresident is licensed as a Producer in their state of residence in good standing and if the nonresident’s home state awards nonresident Producer licenses for the line(s) to residents of Maryland on the same basis.
    Official source
  4. Confirm your next step with the agency

    Review the official instructions for your situation before applying.

    Open the official agency page

What else should I know?

Agency guidance

Each individual soliciting, negotiating or accepting insurance business from the public must be licensed for that line and, where applicable, appointed by an insurer.

Last verified Oct 25, 2026 — source and quotation
Each individual who solicits, negotiates, or accepts insurance business from the public must be licensed in that line of insurance, and if applicable, hold an appointment from an insurer.
Official source

Agency guidance

Renewal costs $69, including a $54 renewal fee and $15 fraud prevention fee.

Last verified Oct 25, 2026 — source and quotation
The renewal fee is $69 which includes the $54 renewal fee and $15 fraud prevention fee.
Official source

When do I renew, and is CE required?

Renewal

Individual producer licenses are issued on a biennial basis to expire on the last day of the producer’s birth month.

Last verified Oct 25, 2026 — source and quotation
Individual producer licenses are issued on a biennial basis to expire on the last day of the producer’s birth month.
Official source

License term in years

Individual producer licenses are issued on a biennial basis to expire on the last day of the producer’s birth month.

Last verified Oct 25, 2026 — source and quotation
Individual producer licenses are issued on a biennial basis to expire on the last day of the producer’s birth month.
Official source

Continuing education hours

24 hours

Last verified Oct 25, 2026 — source and quotation
Except as forth in regulation, a licensee shall successfully complete in each renewal period at least 24 hours of CEs.
Official source

Continuing education topics

CE must be in the licensed insurance category or subdivision and include 3 hours of ethics.

Last verified Oct 25, 2026 — source and quotation
CE courses must be in the category or subdivision of insurance on the license. Licensee must complete 3 hours of CE in Ethics.
Official source

Have a license or permit? Use the expiration date printed on it to set up your calendar and reminders.

What does it cost?

Application fee

$54

Last verified Oct 25, 2026 — source and quotation
pay the applicable fee of $54
Official source

Confirm the charges and conditions for your application with the official agency.

What are the common questions?

How often do I renew a insurance producer (life/health and property/casualty) license in Maryland?

Individual producer licenses are issued on a biennial basis to expire on the last day of the producer’s birth month.

Source and quotation
Individual producer licenses are issued on a biennial basis to expire on the last day of the producer’s birth month.
Official source

Last verified Oct 25, 2026

Which official sources support this guide?

Official sources and verification (13)

Last verified Oct 25, 2026. Each quotation supports the corresponding published value.

Board

Maryland Insurance Administration

Maryland Insurance Administration

The Maryland Insurance Administration
Official source

Last verified Oct 25, 2026

Apply with the agency

Open the official agency page

https://insurance.maryland.gov/Producer/Pages/Producer-Initial-and-Renewal-Licenses.aspx

complete and submit the NAIC Uniform Individual Application.
Official source

Last verified Oct 25, 2026

Qualifications / Education

Prelicensing education and minimum experience requirements were repealed effective October 1, 2024 for applicants required to pass a producer examination.

Prelicensing education and minimum experience requirements were repealed effective October 1, 2024 for applicants required to pass a producer examination.

Effective October 1, 2024, applicants who are required to pass an examination as a qualification for a producer license will no longer be required to complete a program of study that has been established or approved by the Commissioner, nor meet minimum experience requirements prior to taking the examination.
Official source

Last verified Oct 25, 2026

Qualifications / Experience

No minimum experience requirement before the producer examination, effective October 1, 2024.

No minimum experience requirement before the producer examination, effective October 1, 2024.

Effective October 1, 2024, applicants who are required to pass an examination as a qualification for a producer license will no longer be required to complete a program of study that has been established or approved by the Commissioner, nor meet minimum experience requirements prior to taking the examination.
Official source

Last verified Oct 25, 2026

Qualifications / Exam

Resident applicants must pass the Maryland examination for each requested major line.

Resident applicants must pass the Maryland examination for each requested major line.

Resident individual applicants requesting a major line of authority are required to pass the Maryland exam for the line(s) requested.
Official source

Last verified Oct 25, 2026

Fees / Application

$54

54

pay the applicable fee of $54
Official source

Last verified Oct 25, 2026

License term in years

Individual producer licenses are issued on a biennial basis to expire on the last day of the producer’s birth month.

2

Individual producer licenses are issued on a biennial basis to expire on the last day of the producer’s birth month.
Official source

Last verified Oct 25, 2026

Renewal

Individual producer licenses are issued on a biennial basis to expire on the last day of the producer’s birth month.

Individual producer licenses are issued on a biennial basis to expire on the last day of the producer’s birth month. Applies to: Individual producer licenses

Individual producer licenses are issued on a biennial basis to expire on the last day of the producer’s birth month.
Official source

Last verified Oct 25, 2026

Continuing education hours

24 hours

24

Except as forth in regulation, a licensee shall successfully complete in each renewal period at least 24 hours of CEs.
Official source

Last verified Oct 25, 2026

Continuing education topics

CE must be in the licensed insurance category or subdivision and include 3 hours of ethics.

CE must be in the licensed insurance category or subdivision and include 3 hours of ethics.

CE courses must be in the category or subdivision of insurance on the license. Licensee must complete 3 hours of CE in Ethics.
Official source

Last verified Oct 25, 2026

Reciprocity

Nonresident licensing is reciprocal when the applicant holds the relevant resident producer license in good standing and the home state grants Maryland residents licenses on the same basis.

Nonresident licensing is reciprocal when the applicant holds the relevant resident producer license in good standing and the home state grants Maryland residents licenses on the same basis.

Nonresident licenses will be issued on a reciprocal basis if the nonresident is licensed as a Producer in their state of residence in good standing and if the nonresident’s home state awards nonresident Producer licenses for the line(s) to residents of Maryland on the same basis.
Official source

Last verified Oct 25, 2026

Agency guidance

Each individual soliciting, negotiating or accepting insurance business from the public must be licensed for that line and, where applicable, appointed by an insurer.

Each individual soliciting, negotiating or accepting insurance business from the public must be licensed for that line and, where applicable, appointed by an insurer.

Each individual who solicits, negotiates, or accepts insurance business from the public must be licensed in that line of insurance, and if applicable, hold an appointment from an insurer.
Official source

Last verified Oct 25, 2026

Agency guidance

Renewal costs $69, including a $54 renewal fee and $15 fraud prevention fee.

Renewal costs $69, including a $54 renewal fee and $15 fraud prevention fee.

The renewal fee is $69 which includes the $54 renewal fee and $15 fraud prevention fee.
Official source

Last verified Oct 25, 2026

Not yet verified: license fee, required hours — see the official agency.

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What should I explore next?

Insurance producer (life/health and property/casualty) in neighboring states

Neighboring states use Census adjacency data, including water and point boundaries.

Related licenses in Maryland

What’s my next step?

Last verified Oct 25, 2026.

Official sources (3)

Not legal or tax advice. Confirm with the official agency before filing.